The first is that the applicant has not got a credit card. The applicant has just completed the online application, the bank has not sent the card or applied through the agency channel, and the salesman has not submitted the information. At this time, the applicant can call the customer service center of the card and apply for canceling the credit card. Note that at this time, he must be clear about his position and not be persuaded by the bank staff to do it in a daze, but it is not good to cancel it. If he entrusts a salesman to handle it, he can also call the salesman to apply for cancellation. In this case, the cancellation of credit cards has little effect on individuals.

The second situation is that the applicant has received an invalid credit card. For the new credit card, if it has not been activated, there is no need to cancel it. The general activation period is within one year from the date of issuing the card. If it is not activated for more than a specified time, the credit card will automatically become invalid.

The third kind of credit card is in use, so you must be prepared before canceling it. First, you need to pay off all the credit card debts. If you have extra money, you should also spend it, and make sure that there is no penny in your credit card account. Then, call customer service and follow the voice prompts to manually apply for credit card cancellation. Secondly, after the next billing date, if your account is flat, that is, there is not much money, then your credit card can be cancelled.

Secondly, you can cancel at the counter and bring the necessary documents, ID cards, credit cards and money. Tell employees the truth and don't change your mind easily. Avoid the rush hour of the bank, so as not to queue for too long and delay time.

Extended information: CreditCard, also known as credit card. It is a non-cash transaction payment method and a simple credit service.

A credit card is a credit certificate issued by a commercial bank or a credit card company to eligible consumers. Consumers with credit cards can go to specialized commercial service departments for shopping or spending, and then the bank will settle accounts with merchants and cardholders, and cardholders can overdraw within the prescribed limits.

China's relevant laws ("NPC Standing Committee on

Credit cards are generally plastic cards with a special carrier, with a length of 85.60 mm, a width of 53.98 mm and a thickness of1mm. The name of the card issuer, the expiration date, the number and the name of the cardholder are printed on the front, and the chip, magnetic stripe and signature strip are printed on the back. Cardholders can use credit cards to shop, spend money and deposit and withdraw cash from banks.

There is no need to pay cash for credit card consumption, and the bill will be repaid on the same day.

Credit cards are divided into credit cards and quasi-credit cards. Credit card refers to a credit card in which the cardholder has a certain credit limit and can spend first and then repay. Quasi-credit card refers to a quasi-credit card in which the cardholder deposits a certain amount of reserve fund according to the regulations, and when the balance of the reserve fund account is insufficient to pay, it can be overdrawn within the prescribed credit limit. Credit cards generally refer to credit cards.

Reference: Credit Card-Baidu Encyclopedia